Notices

  • Family members can help support buyers by providing security for their mortgage, without gifting money.

    Borrow 100% of the property value with no deposit with the Family Mortgage.

  • Savings customers - interest rates on many of our variable rate savings products decreased on 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

Family Mortgage monthly repayment calculator

Calculate the security needed and what your monthly repayments could be with our Family Mortgage.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The Family Mortgage lets you borrow 100% of the property value, without needing a deposit.

Instead, a family member(s) supports the mortgage by providing up to 20% security, either by:

  • Placing savings into our Family Security Account
  • Allowing a Collateral Charge to be placed on their property
  • Or a combination of both.

The security will be held for five years.  

You can use our calculator to work out:

  • The total amount of security you’ll need for your mortgage
  • What your monthly mortgage repayment will be.

 This calculator is for illustrative purposes only. It is not a mortgage offer or guarantee of receiving a mortgage offer.

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Your mortgage details

Making it ours with family group photo